Originally Posted by
uncflyer16
I do two to three cards per year and keep one very old card. It has never been even a mild concern with our mortgage or refinance. If you aren't rolling over a balance on a cc, then I don't think a mild churn will be held against you. I do recall that for our initial mortgage I avoided cc apps for about 6 month prior.
I agree but would just say that laying low for 6-9 months prior to applying for a mortgage is generally a wise strategy, particularly if you previously amassed quite a few inquiries, new accounts, etc...
Mortgage lenders do not care about CC churning. What they do care is your credit score, which can be affected by churning, inquiries, too many new accounts, high balance to credit line ratios, etc...